BLOGInsight into the Payments Industry

10/07/2019

Customer Success Story: How All-in-One Payments Lowered Costs and Improved Operations for This Lakeside Texas Resort

Customer Success Story: How All-in-One Payments Lowered Costs and Improved Operations for This Lakeside Texas Resort

Tanglewood Resort sits alongside Lake Texoma in northern Texas, right on the border with Oklahoma. Because of their location, the full-service resort and conference center has incorporated a unique combination of lakeside views, fine dining, spa services, lake activities, a championship golf course, and a host of outdoor activities like hiking, boating, fishing, horseback riding, …

04/26/2019

Shift4 Payments Introduces RESTful API

Shift4 Payments Introduces RESTful API

Shift4 Payments is pleased to announce the general availability of our new RESTful API. With the introduction of this new integration option, our new and existing independent software provider (ISV) partners can now integrate their point of sale or property management systems much faster to Shift4’s payment gateway and network, including our suite of secure …

01/30/2019

DOLLARS ON THE NET Is Now Lighthouse Transaction Manager

DOLLARS ON THE NET Is Now Lighthouse Transaction Manager

New Look and Feel, Same Reliable FeaturesIn terms of functionality there aren’t any changes to the user interface. You’ll get to enjoy the benefits of the updated design without losing any of the features you know and love. These include: Features and Functionality Centrally manage transactions from a single screen for all revenue centers and …

05/02/2017

True P2PE Is Now PCI Validated!

True P2PE Is Now PCI Validated!

Big news! Our advanced point-to-point encryption solution, True P2PE, is now on the list of PCI-validated P2PE technologies. By encrypting cardholder data (CHD) at an approved payment terminal or device you can prevent CHD from entering your system. Now, you can continue taking advantage of same speed, security, and reliability of True P2PE with the …

05/02/2017

Introducing the New 4Word

Introducing the New 4Word

More security, added versatility – and a new look, too. Shift4’s 4Word gives merchants a way to share and control cardholder data (CHD) with a trusted third party so that payments can be processed according to the merchant’s business requirements or need, whether that third party is a Shift4 customer or not. We’ve recently completed …

05/02/2017

New Options in the UTG and DOLLARS ON THE NET

New Options in the UTG and DOLLARS ON THE NET

We’ve added some useful new options to the UTG and DOLLARS ON THE NET. Here’s what’s new: With this UTG update, merchants processing directly to American Express (AMEX) will be able to more accurately and securely verify AMEX cardholders using online PIN verification (if supported by the card) instead of relying solely on a signature. …

04/04/2017

Avoid Suspended Batches Using New DOLLARS ON THE NET Viewing Option

Avoid Suspended Batches Using New DOLLARS ON THE NET Viewing Option

Did you know that fake authorization codes are the number one cause of suspended batches? No one wants to take the time to call a card issuer’s voice authorization center to get a referral code when facing a line of customers. But, when a busy clerk enters a fake code to force an authorization, it …

04/04/2017

Enhanced Support for Verifone PIN Pads in the Latest UTG Update

Enhanced Support for Verifone PIN Pads in the Latest UTG Update

We’ve added a few enhancements to our UTG 2290 release. If you use EMV with Verifone PIN pads, then you’ll be excited to learn we’re giving you more control over handling debit and credit cards in EMV processing (if the customer’s card allows for it). With support from your POS or PMS, you can set …

03/07/2017

Updated Features in Our Latest DOLLARS ON THE NET Release

Updated Features in Our Latest DOLLARS ON THE NET Release

We routinely update our solutions to optimize your payment processing efficiency, security, and cost savings. As such, we’ve recently added a few new features to our DOLLARS ON THE NET payment gateway. Ability to Require Multifactor Authentication – Account administrators can now require multifactor authentication (MFA) for select users when they log in to DOLLARS …

02/07/2017

Executive Insight: Don’t Be Misled by False Claims About EMV

Executive Insight: Don’t Be Misled by False Claims About EMV

By Steve Sommers – Senior Vice President of Applications Development, Shift4 Corporation The U.S. payments industry has been talking about EMV for years, but it’s still the subject of a lot of inaccuracy and misinformation. I’d like to make a few comments about something that I read recently. The Quote That Started It All I …

02/07/2017

52 Days Until We End Support for SSL and Early TLS

52 Days Until We End Support for SSL and Early TLS

Many servers in the U.S. are still vulnerable to the Heartbleed Bug and other malicious software. It’s time to say goodbye. On March 31, Shift4 is ending support for SSL and TLS 1.1 and older. If you’re still using these outdated encryption methods, your payment processing – and PCI compliance – is at risk. Read …

02/07/2017

Faster PIN Pad Reset and More

Faster PIN Pad Reset and More

As dedicated merchant advocates, we routinely update our solutions to optimize your payment processing efficiency and security. As such, we’ve recently made a few enhancements to our Universal Transaction Gateway (UTG). Here’s the lowdown on what’s included in the most recent release: Faster PIN Pad Reset Capability – Our enhanced PIN pad reset capability could …

01/03/2017

Set Limits for Manual Card Entry With the UTG 2287 Update

Set Limits for Manual Card Entry With the UTG 2287 Update

This month’s UTG update enables you to set a minimum and maximum number of digits for manual card entry (MCE), giving you more control over the types of cards your staff members can manually enter. For example, you can allow MCE for only gift card, employee card, and/or loyalty card numbers. You can also set …

12/06/2016

Shift4’s P2PE Solution Will Soon Be PCI Validated

Shift4’s P2PE Solution Will Soon Be PCI Validated

Our True P2PE is already faster, more secure, and more reliable than any other point-to-point encryption solution in the industry. And, it will soon be one more thing: PCI validated!Yes, you read that right. If you’re already using True P2PE with PTS-approved, SRED compliant devices, you’ll soon be benefiting from a listed, PCI-validated P2PE solution …

12/06/2016

It’s Time to Start Layering Your Payment Security Solutions

It’s Time to Start Layering Your Payment Security Solutions

With the holiday shopping season in full swing, millions of businesses will see a spike in payment activity. And unfortunately, many of them will see a spike in data theft, too. This is a vital time of year for merchants to take a look at their payment security strategy and ask themselves if they are …

11/01/2016

Shift4 Supports Ingenico’s New Mobile Terminal

Shift4 Supports Ingenico’s New Mobile Terminal

Add new revenue centers and make paying for goods or services more convenient for your customers with Ingenico’s sleek and secure new iSMP4 Companion, which (pardon the pun) happens to be a great companion to Shift4’s VT4 mobile point-of-sale (mPOS) solution. (Bonus: our Universal Transaction Gateway already supports it.) This smart mobile point-of-sale device is …

10/04/2016

UTG Update Supports New EMV Device and More

UTG Update Supports New EMV Device and More

As a leader in the payments space and a dedicated merchant advocate, Shift4 routinely updates our Universal Transaction Gateway (UTG) in response to industry trends and merchant feedback. While some of these changes are minor tweaks and behind-the-scenes improvements, others may have a larger impact on your business. We’ve made some recent enhancements to our …

09/06/2016

Shift4 Speeds Up EMV With Quick Chip

Shift4 Speeds Up EMV With Quick Chip

Are you tired of EMV transactions taking so long? Shift4 now fully supports EMV quick chip with Visa, Mastercard, American Express, and Discover. This greatly speeds up the EMV checkout process, as it allows consumers to remove their cards after only a few seconds. You can view the full announcement here.

09/06/2016

Increase Account Security With veri4

Increase Account Security With veri4

Introducing the newest member of the Shift4 product family: veri4. This mobile app helps secure your DOLLARS ON THE NET and MyPortal accounts by generating an additional credential – a unique, six-digit passcode that you can enter along with your account number, username, and password. For added security, this passcode changes every 30 seconds. The …

09/06/2016

UTG Update Brings New EMV Options and More

UTG Update Brings New EMV Options and More

As a leader in the payments space and a dedicated merchant advocate, Shift4 routinely updates our Universal Transaction Gateway (UTG) in response to industry trends and merchant feedback. While some of these changes are minor tweaks and behind-the-scenes improvements, others may have a larger impact on your business. We’ve made some recent enhancements to the …

08/02/2016

Don’t Miss Out On Our Extensive Software Updates

Don’t Miss Out On Our Extensive Software Updates

As dedicated merchant advocates, we listen to your feedback and regularly update our payment solutions to optimize your payment processing efficiency and security. In the last month, we’ve released software updates for our Universal Transaction Gateway® (UTG®), DOLLARS ON THE NET® payment gateway, and VT4® mobile point-of-sale solution. Here is a breakdown of the major …

08/02/2016

Ready for Card Numbers Starting With 2?

Ready for Card Numbers Starting With 2?

Starting next year, Mastercard will be rolling out new payment cards that begin with the number “2” (typically, they start with “5”). This will create a new Bank Identification Number (BIN) range of 222100 – 272099 that merchants will need to accept. A BIN makes up the first six digits of a card number, and …

08/02/2016

You May Need to Replace Your Payment Devices

You May Need to Replace Your Payment Devices

As you already know, Shift4 is committed to securing your business, your brand, and your customers’ card data. As part of our mission to help you stay secure and PCI complaint, we’ll be sunsetting support for six payment devices effective January, 1, 2017: Ingenico 3070 Ingenico 6550 Ingenico 6780 Verifone 1000 Verifone MX 850 Verifone …

08/02/2016

EMV Devices: Which Ones Shift4 Supports and How to Get Them

EMV Devices: Which Ones Shift4 Supports and How to Get Them

Many of you have been looking into purchasing new payment devices to accept EMV chip cards. Shift4 has carefully selected a variety of secure EMV devices. And, with nearly a dozen different device options currently offered, you can customize your EMV setup to fit your specific business. New! Direct Link to Our EMV Device List …

06/16/2016

Shift4 Offers Fast-Track to EMV Acceptance

Shift4 Offers Fast-Track to EMV Acceptance

Shift4 is proud to offer EMV with more device and processor combinations than any other gateway provider. More than 70 of our valued point-of-sale and property management system partners who have integrated their systems with our DOLLARS ON THE NET® payment gateway have now made the tweaks necessary to certify those solutions for EMV.Check out …

04/05/2016

5 Musts for DOLLARS ON THE NET® Admin Users

5 Musts for DOLLARS ON THE NET® Admin Users

If you sign in to your DOLLARS ON THE NET® account using the word “Admin” or “Administrator,” then you’re the king of the mountain, queen of the castle, ruler of the roost – or at the very least, a financially responsible individual at your business. Each DOLLARS ON THE NET account allows only one Admin …

04/05/2016

ALERT: Use Layered Security Tools and Secure Practices to Minimize Risk

ALERT: Use Layered Security Tools and Secure Practices to Minimize Risk

There is no silver bullet when it comes to payment data security, which is why Shift4 layers numerous security tools to protect our merchant customers in both card-present and card-not-present scenarios, as well as call centers and other specialized environments. Payment security is a constantly moving target and must be monitored and updated frequently to …

03/01/2016

Executive Insight: Setting the Record Straight on Tokenization

Executive Insight: Setting the Record Straight on Tokenization

I watched an interesting and entertaining Twitter dialogue unfold late last month between two payments industry experts. Ian Kar, who covers the payments industry for online news publication Quartz, was covering PayPal’s earnings call when he heard PayPal CEO Dan Schulman make a pretty bold claim: Schulman: Rest of payment industry is following us into …

02/01/2016

4 Ways to Avoid Suspended Batches

4 Ways to Avoid Suspended Batches

You may have had the experience of attempting to close an open batch of authorized transactions and seeing a notification that one of your batches has been suspended. This means that DOLLARS ON THE NET® has flagged the batch because Shift4 received an error or timeout from the processor indicating a problem with it. When …

02/01/2016

February Release – Shift4’s UTG® Update

February Release – Shift4’s UTG® Update

Shift4 provides the latest and greatest payment technologies to keep your business running smoothly. We listen to your feedback and update our Universal Transaction Gateway® (UTG®) nearly every month, keeping your payment security, efficiency, and business operations in mind with each new UTG build. While some of these updates are minor tweaks, others may have …

02/01/2016

URGENT: Internet Explorer 10 Users Must Upgrade ASAP

URGENT: Internet Explorer 10 Users Must Upgrade ASAP

Last month, we shared information about Microsoft’s end of support for older versions of Internet Explorer (IE) to make sure you knew that they would be ending support for all but the latest version of IE available for a desktop or server operating system. As a result, we’re recommending that you upgrade to IE 11 …

01/05/2016

Executive Insight: 3 Ways Merchants Can Ensure a More Secure 2016

Executive Insight: 3 Ways Merchants Can Ensure a More Secure 2016

By Steve Sommers – Senior Vice President of Applications Development, Shift4 Corporation For merchants, there is an all too common tendency to “fire and forget” when using security tools. You might have just completed your most recent PCI DSS (Payment Card Industry Data Security Standard) assessment, installed new antivirus software, or added EMV. While each …

01/05/2016

AMEX Has Replaced OnePoint With OptBlue

AMEX Has Replaced OnePoint With OptBlue

For years, Shift4 has provided small merchants with direct payment processing to American Express (AMEX) along with support for the AMEX OnePoint program. OnePoint catered to merchants that processed less than $500,000 (under a single tax ID) in AMEX charges each year. However, on November 1, 2015, the OnePoint program ended and AMEX began offering …

12/01/2015

‘Tis The Season For Secure Mobile Payments!

‘Tis The Season For Secure Mobile Payments!

It’s beginning to look a lot like the holiday season – and for millions of holiday shoppers that means purchasing decorations, food, and gifts that make the season bright. According to the National Retail Federation, “Despite the challenges that still exist in our economy, it looks as if consumers are eager to celebrate the holidays …

12/01/2015

Dara Security Assesses True P2PE™

Dara Security Assesses True P2PE™

At Shift4, we value our customers’ payment data security above all else. Every product and technology we provide was created knowing that data breaches and fraud are real threats that can happen to anyone at any time. With that in mind, we want to make sure that all of our payment solutions are as secure …

09/01/2015

Get in Gear for EMV

Get in Gear for EMV

The U.S. EMV migration liability shift date, October 1, 2015, is almost here. Are you on the road to EMV chip card acceptance? Earlier this year, we shared a road map to give merchants and independent software vendors (ISVs) a quick look at how to get ready for EMV. Now, we’re sharing the steps merchants, …

08/04/2015

Don’t Fall Victim to Malware

Don’t Fall Victim to Malware

Malware attacks have become increasingly common for merchants who process payments using remote-access systems, according to a recent alert from the Financial Services Information Sharing and Analysis Center (FS-ISAC). In the past year, there has been a significant increase in reports of malware that invades point-of-sale (POS) or property management systems (PMS) and creates a …

07/07/2015

Shift4 Celebrates 10th Anniversary of Tokenization!

Shift4 Celebrates 10th Anniversary of Tokenization!

Tokenization has become more of a household name as of late, as more companies adopt the technology and as sister technologies like the consumer-based “payment tokens” of mobile wallets take shape. Shift4, on the other hand, has been using tokenization long before anyone else. After all, we invented it a decade ago! How was tokenization …

07/07/2015

12 Hospitality Touchpoints Secured by Shift4

12 Hospitality Touchpoints Secured by Shift4

From a payments point of view, hospitality environments are particularly complex. Typically, hotels keep payment card information on file for booking guarantees, advanced deposits, refunds, incremental authorizations, and more. This makes the hospitality environment at hotels, resorts, and motels particularly vulnerable to data thieves, who target these environments to retrieve payment card information held within …

06/18/2015

WEBINAR: How to Use eSignatures with Sertifi & Shift4’s DOTN

WEBINAR: How to Use eSignatures with Sertifi & Shift4’s DOTN

How to Use eSignatures with Sertifi & Shift4’s DOLLARS ON THE NET® Tuesday, Jun 23, 2015, 11:00-11:30 a.m. PST View the Recording Are you ready to automate your contract and payment process? If so, we invite you to join our 30-minute webinar to find out how you can collect both signed agreements and secure customer …

06/02/2015

Innovative Solutions to Prevent Hospitality Breaches

Innovative Solutions to Prevent Hospitality Breaches

The hospitality environment is unique in its handling of the payment card data of their guests. Large hotels and resorts generally involve hundreds, sometimes thousands, of touchpoints where payment card data can enter their systems – from reservations, retail stores, and valets to the front desk, restaurants, and snack stands. Resorts small and large often …

05/05/2015

EMV for Small Businesses

EMV for Small Businesses

A survey by Newtek Business Services, Inc., shows that 71% of small businesses do not know about EMV and how it applies to them. Are you included? If you run a small business, then we have a primer on what the October 2015 fraud liability shift means for you and how Shift4 is helping you …

04/07/2015

Which EMV Device Is Right for You?

Which EMV Device Is Right for You?

Many of our merchant customers are looking into purchasing new payment devices to begin accepting EMV chip cards. In this article, we highlight the payment devices we support for processing EMV and a few of their features that may help you determine which one(s) will work best for your business. Secure, High-Performing EMV-Capable Devices Shift4 …

03/03/2015

Shift4 Doesn’t Use SSL (And You Shouldn’t, Either!)

Shift4 Doesn’t Use SSL (And You Shouldn’t, Either!)

You may remember that back in November, we released an alert about protecting yourself from the POODLE SSL vulnerability. For those of you who are less familiar with SSL, it refers to a type of encryption that was once used to secure communications between a user’s Web browser and a website in order to protect …

03/03/2015

Shift4 Supports EMV to a T

Shift4 Supports EMV to a T

We’re now 7 months away from the EMV liability shift. But, don’t worry. Shift4 is hard at work behind the scenes to make sure your EMV migration is a breeze. There are three easy steps that you can do today to start preparing for EMV. #1: Ensure your point-of-sale (POS) or property management system (PMS) …

02/03/2015

Securing Your Environment With Access Tokens for API Requests

Securing Your Environment With Access Tokens for API Requests

As an integrated payments provider, Shift4 proudly integrates to hundreds of point-of-sale and property management systems (PMS/POS) and certifies to new and customized interfaces to support our merchant customers’ business needs. Many of you work with third-party application program interface (API) developers on interfaces that enable communications between your PMS/POS and DOLLARS ON THE NET®. …

01/06/2015

Don’t Lose $1 Million – Activate Fraud Sentry® Today!

Don’t Lose $1 Million – Activate Fraud Sentry® Today!

Something troubling happened last month. News broke of a hotel manager being arrested for stealing almost a million dollars from her employer over the course of seven years. Even more troubling was that it happened to one of Shift4’s merchant customers – a merchant just like each of you. Saddest of all, this entire fraud …

01/06/2015

How to Get the Most Out of a Gift Card Program

How to Get the Most Out of a Gift Card Program

Consumers don’t just love giving gift cards – they also love receiving them. According to the National Retail Federation, gift cards have been at the top of consumers’ wish lists for the past eight years in a row. And, CEB TowerGroup’s recent study found that 65% of those who receive them spend 38% more than …

12/02/2014

EMV Update

EMV Update

The chip cards are coming! We are now just 10 months away from the October 2015 liability shift date for U.S. EMV. That’s the date the card brands set to have all U.S. merchants supporting EMV (Chip card) technology. After that date, whichever organization breaks the “EMV chain” will be held responsible for fraudulent card …

12/02/2014

Executive Insight: Tools for Preventing Fraud and Breaches

Executive Insight: Tools for Preventing Fraud and Breaches

By Steve Sommers – Senior Vice President of Applications Development, Shift4 Corporation This piece is part three of a series on the differences between fraud and breaches. The first article in the series can be found here and the second article in the series can be found here. In our previous two articles, we talked …

11/04/2014

Shift4 Now Supports Apple Pay

Shift4 Now Supports Apple Pay

We told you last month that adding support for Apple Pay™ was going to be quick and easy, and it was. We’re happy to announce that Shift4 now supports Apple Pay contactless (NFC) payments. In fact, a few of our customers have already starting processing Apple Pay transactions. No additional development is required for you …

11/04/2014

Prepare Payments for the Big Holiday Rush: 3 Things to Do

Prepare Payments for the Big Holiday Rush: 3 Things to Do

According to the National Retail Federation, for the 2014 holiday season, retailers in the United States can anticipate a 4.1 percent increase in sales volumes compared with 2013, resulting in an expected $616.9 billion in total sales. As it is already November, the season is just kicking into gear. While the holidays are a time …

11/04/2014

Unify Your Enterprise Payments Under Shift4

Unify Your Enterprise Payments Under Shift4

Many of our customers have multiple revenue centers. Some of these are resort properties in the hospitality industry with a front desk, retail stores, restaurants, and a spa. Others are omni-channel providers with both brick-and-mortar and e-commerce sales. Still, others are universities with multiple revenue centers, including a campus store, on-campus housing, restaurants, and student …

10/07/2014

4 Things to Consider When Implementing a Gift Card Program

4 Things to Consider When Implementing a Gift Card Program

Gift card sales are growing. Increasingly tech-savvy and choice-driven customers want to let gift recipients take a hop into the driver’s seat by selecting their own presents through the use of gift cards for birthdays, holidays, and other special occasions. On the merchant side of things, offering gift cards is a proven method for driving …

10/07/2014

Shift4 Mints 10 More CISSPs

Shift4 Mints 10 More CISSPs

In a globally connected world, businesses of every size need to think not just about their compliance with PCI, but also about how to combat the persistent threat of skilled cybercriminals beyond the scope required by compliance. We hope you know that the Shift4 family is always prepared with the most innovative and comprehensive security …

10/07/2014

Shift4’s Plan for Apple Pay

Shift4’s Plan for Apple Pay

Recently announced by Apple®, Apple Pay™ is a mobile payments tool that uses near-field communication (NFC) to communicate with NFC-enabled terminal devices. Apple Pay will be delivered to the iPhone® 6 in an update scheduled later this month and to the Apple Watch™ upon its release in early 2015. Shift4 currently supports several NFC payment …

08/05/2014

Six Reasons to Love Shift4’s Gift Card Solution

Six Reasons to Love Shift4’s Gift Card Solution

Every year, over 90% of U.S. consumers purchase or receive a gift card. In a study conducted last year, 41% of consumers reported having tried a retail store, restaurant, or hotel for the first time because they received a gift card for that business. Of that group, 72% returned to that business. Oh, and don’t …

08/05/2014

Used Credit Card Devices? Bad Idea

Used Credit Card Devices? Bad Idea

Buying secondhand (used) credit card PIN pad devices as a way to save money could come with a lot of headaches and limitations – and not nearly the cost savings you might expect. Shift4 is all about helping our merchant customers save money and avoid additional fees when it comes to credit card processing. We …

06/03/2014

Our New Data Center at Switch SUPERNAP

Our New Data Center at Switch SUPERNAP

Last year, we told you about plans for a new data center that would provide another layer of redundancy for Shift4’s DOLLARS ON THE NET® payment gateway, which equates to even more reliable payment processing for you, our merchant customers. And now we’re proud to announce the new data center in the Switch SUPERNAP facility …

05/06/2014

News From the Development Team

News From the Development Team

Our Development team is constantly working to improve our offerings so DOLLARS ON THE NET® and all of our other solutions work faster and better for you. We hope you’re enjoying the enhanced usability of DOLLARS ON THE NET. Below are some other updates. Support for New DevicesNew payment terminals have recently been added to …

04/01/2014

Spring Clean Your DOLLARS ON THE NET® Account

Spring Clean Your DOLLARS ON THE NET® Account

Spring officially arrived last month, which means it’s time to start thinking about spring cleaning your DOLLARS ON THE NET® account by removing former users that might be remaining. Doing so will protect against unwanted access to your account.Why Is This Important?Former employees who are still on your DOLLARS ON THE NET account could potentially …

01/07/2014

Introducing the MetaToken

Introducing the MetaToken

At Shift4, we do all that we can to get cardholder data out of your merchant environment. We use P2PE on the front end to keep the data from entering your environment at the point of swipe, then return a TrueToken® on the back end so that you can keep a record of the transaction …

01/07/2014

A New DOLLARS ON THE NET®: We’ve Made the Best Even Better!

Get Ready! We’re kicking off 2014 with exciting changes to DOLLARS ON THE NET, beginning January 21st. You already know DOLLARS ON THE NET is a powerful tool that securely interfaces with nearly every major bank and processor in North America, and provides industry-leading uptime with the ability to easily audit and report on transactions. …

12/03/2013

When Your System Goes Offline

For our merchant customers who have the Universal Transaction Gateway® (UTG®) installed with DOLLARS ON THE NET®, we can offer help in processing transactions quickly when your connection to the Internet is lost, and keep your lines moving when things get busy. Shift4’s Secure Offline Stand-In™ (SOS) offers UTG users faster and safer offline processing …

12/03/2013

Online Payments: No Need to Fear

Bloomberg Businessweek recently ran an article about e-commerce merchants choosing to not offer online card payments out of fear, titled “Online Merchants Don’t Want Credit Card Payments.”Since providing the fastest, most reliable, and most secure card payment processing is what we live and breathe for, we know there are forces out there trying to mislead …

11/05/2013

Hiring for the Holidays? 5 Security Tips You Need to Know

With the holidays fast approaching, you’re probably beginning to bring on some extra help for the busy fourth quarter. We’d like to take this time to remind you to think about security when on-boarding new team members so your team works safely and securely even when things get hectic. Unfortunately, criminals understand this time of …

11/05/2013

Gift Cards for the Holidays – IT’S YOUR CARD®

What’s the ultimate stocking stuffer? Keys to a new car, of course. But only slightly less awesome are gift cards. Consumer surveys show that since 2007, gift cards have been the most requested item on holiday wish lists, and in 2011 (the most recent year for which records are available) gift cards accounted for 18% …

10/01/2013

Important Updates from Customer Service

We want to take a few minutes to tell you about some of the upgrades and changes we’ve got going on. We’ve made updates to the Universal Transaction Gateway® (UTG®) and to several payment device integrations to improve speed and usability, added new administrator tutorial videos to DOLLARS ON THE NET®, and our point-to-point encryption …

08/07/2013

MICROS® Users, Check with Us Before Buying New Hardware

Shift4 has a longstanding and strong relationship with MICROS. We have spent years developing integrations and adding security to different MICROS terminals, and we do our best to remain at the forefront of advancing technologies. As new technologies including point-to-point encryption, mobile payments, contactless, etc., continue to flood the market, we are seeing a problematic …

08/07/2013

3 Major Mobile Mistakes Merchants Make

Mobile payments technologies are continuing to grab market share and are popping up in more and more businesses. To most of the public, the ability to take payments on a smart phone or tablet seems like a clever advancement that simplifies the payment process and potentially makes shopping quicker and easier. But to those of …

07/02/2013

Shift4’s Data Center Expansion Means Even Faster Processing

We are in the process of adding an additional data center to further enhance our processing reliability, redundancy, and speed. As our merchant customer base continues to grow, we need to expand to accommodate the increased number of transactions. With this expansion, we saw an opportunity to improve the system in place to cool and …

07/02/2013

Updates on Shift4’s Innovative Integrations and Partnership

The Shift4 team has been hard at work developing integrations that bring the latest payment processing security technologies in DOLLARS ON THE NET® to the top POS/PMS solutions. We’ve recently announced integrations with MICROS, AlfaPeople, and AutoClerk. Here’s an overview of some of the new Shift4 integrations and partnerships. Point-to-point encryption (P2PE) is a buzz …

07/02/2013

News From the Shift4 Development Team

Our Development team is continuously working on updates, upgrades, and new features for our DOLLARS ON THE NET® merchant customers. Below are some of the newest features available to you.1. i4Go® Supports Point-to-Point Encryption (P2PE)If you use i4Go in your hosted POS/PMS or kiosk terminal, we’ve got some exciting news. You can now add an …

06/04/2013

Reversing Holds on Debit

Shift4’s world-class support team handles hundreds of calls each month and helps our merchant customers walk through everything from how to settle a batch to how to add a new account administrator. The most common question they receive, and one that we’ve covered a few times before in our newsletter, is “How do I reverse …

05/07/2013

The Value of the Shift4 Merchant ID

You would never think to hand over your personal checking account number to the clerk at a store, right? You’d use your debit card – a protected representation of your checking account – instead. But are you as careful with your business’ data? Just as your personal bank issues you a checking account number, your …

05/07/2013

Security Beyond Compliance

Just because you can check the right boxes on your annual PCI assessment does not mean you are immune from data breaches. You need Security Beyond Compliance®. What is PCI?Merchants who accept credit cards are required to abide by the rules of the Payment Card Industry (PCI) Council. The PCI Council is made up of …

05/07/2013

Periodic Billing

Shift4’s sales team is quick to point out that we “drink our own Kool-Aid.” In other words, we don’t just sell DOLLARS ON THE NET®, we use it. So when Shift4’s accounts-receivable staff logs in to bill our customers, they go straight to Periodic Billing. Whether you run a spa that offers a subscription massage …

04/02/2013

5 Tips Every Auditor Should Know

Todd Bonneville’s first exposure to auditing and accounting came during high school when he worked as a retail store manager. After studying finance and accounting at UNLV, Todd accepted a position as Shift4’s accounting clerk in 2002 and earned a number of promotions before becoming our VP of Finance and a member of our executive …

03/05/2013

Shift4 Support Strives for One-Call Resolutions

Your most recent batch isn’t transmitting properly, so you call Shift4 Support and say, “Help! I’ve got a problem!” When you’ve got a system issue or question, you need it fixed. So when you call Shift4, we give your call the time and attention it deserves. Our support staff is available 24/7 to provide you …

03/05/2013

How Superbatches Can Delay Your Funding

Is it a bird? Is it a plane? No. It’s Superbatch! OK, Superbatch is not really a crime-fighting hero. Instead, a superbatch is – much like the name implies – an extremely large batch of transactions being sent for settlement. It is made up of all the individual batches that Shift4 receives in a day …

03/05/2013

What’s New with DOLLARS ON THE NET®?

The Development team at Shift4 is dedicated to providing you with the most up-to-date, user-friendly programs and Web pages for our products. We listen to your feedback and constantly strive to make the improvements most important to you – our merchant customers! Over the past few months, we’ve focused on updating our DOLLARS ON THE …

02/06/2013

So Much More than DOLLARS ON THE NET

As we attend user group events with many of our POS/PMS partners, we are both surprised and saddened by how little many of our merchant customers know about what Shift4 does for them. Some of them know us only as DOLLARS ON THE NET®; others know our name but are not sure what we do… …

01/09/2013

Our Point-to-Point Encryption (P2PE) Solution Now Available

We’ve all heard about the benefits of P2PE: removing card data from your entire network and limiting it to the swipe device brings big payoffs in the form of scope reduction and simplified PCI compliance. Well, we’re happy to report that we now have customers actively running P2PE transactions, and we’re ready for you to …

01/09/2013

Phasing Out Traditional Offline Mode

We’re happy to report that, contrary to the Mayan Calendar, the world didn’t end on December 21, 2012. However, during this first quarter of 2013, the world of traditional offline mode in DOLLARS ON THE NET® will be ending. Over the next few months, we will be upgrading all users who are still using traditional …

01/08/2013

3 Steps to Smooth Payment Processing

In the spirit of New Year’s resolutions, here are three tips we hope you’ll put into practice to make sure your payment processing goes as smoothly and efficiently as possible.1. Educate Your EmployeesMany people set New Year’s resolutions to learn something new. This year, we’d like you to encourage your employees to keep that resolution …

12/04/2012

MasterCard’s Terminal ID Requirement

MasterCard has issued a mandate, effective April 19, 2013, requiring merchants to provide a unique terminal ID with every transaction. Ostensibly, this requirement is to help MasterCard more quickly track down fraudulent activity by determining the specific point of sale where the fraud occurred. While we agree with their desire to quickly stop fraud, and …

12/04/2012

Four Billion Strong – and Growing!

Pardon the obvious borrowing of FLINTSTONES™ vitamins’ catchphrase in our title, but we felt it fit the exciting news we have to share with you. As we built the token counter for our newly redesigned Web site, we realized something pretty cool. Somewhere back in early September, while we were hard at work on the …

11/06/2012

‘Tis the Season for Gift Cards

What do you buy the person who has everything, or the teenager whose Christmas list is so foreign to you it might as well be written in hieroglyphics? Gift cards. We all know this little secret for easy holiday shopping and, as consumers, many of us take advantage of it. So why have so many …

10/02/2012

The Buzz About Mobile

It seems everywhere you go these days there is buzz about mobile: mobile messaging, mobile commerce, mobile banking, mobile payments – heck, some people still even use mobile phones to make calls. With all the hype (and in response to a few customer requests), we’d like to take the opportunity to explain Shift4’s stance on …

09/04/2012

Now is the Time for UTG® Updates

The need to keep Shift4’s Universal Transaction Gateway® (UTG®) updated is a frequent subject in the pages of 4Sight. It seems we’ve mentioned it every few months for as long as we’ve been publishing this newsletter. So, we may be preaching to the choir a little bit here when we tell you, our faithful readers, …

09/04/2012

Exceeding Expectations: Townsend Building Supply

Many customer success stories follow the pattern of “problem, solution.” If this was one of those testimonials, we could wrap it up in two sentences: Townsend Building Supply needed a payment gateway solution that interfaced with bisTrack, their industry-specific POS solution. Shift4’s SaaS-based DOLLARS ON THE NET® gateway has that integration and our pricing met …

08/07/2012

Be Sure to Keep Shift4’s UTG Updated

Shift4’s Universal Transaction Gateway® (UTG®) makes possible much of what we do at Shift4. The UTG is a major factor in DOLLARS ON THE NET’s speed, security, reliability, simplicity, and Shift4’s ability to take your POS/PMS out of PCI scope. Needless to say, it is a vital component and a piece of technology that we …

08/07/2012

Security is Customer Service

Back in February, we published an article called Tough Love – Why Shift4 Standards Are So High. It explained the security reasons behind some of Shift4’s policies and how they benefit and protect our merchant customers – even though they are seen by some as an inconvenience. Despite the points made in that article, we’ve …

07/03/2012

Payments Industry Players

Recently, we saw a payments industry Web site with a glossary more than 19 pages long. When it takes 19 pages just to explain the words you need to know before you can begin to figure out how the industry works, you know that payment processing has developed a language all its own. Today, we …

07/03/2012

Debit (and “Open-to-Buy” Holds) in Hospitality

We recently attended the Choice Hotels International Convention, at the invitation of one of our largest Hospitality clients. Several members of Shift4’s staff were in attendance and we had a wonderful time. One of the most frequently asked questions we heard at this conference was, “What can you do about the annoying holds that are …

06/05/2012

Fraud Alerts vs Breach Alerts

Do you know the difference between fraud alerts and breach alerts? You should – and you should make sure your staff does, too. These alerts are two very different things and require completely different responses. Mixing the two up can lead to a world of problems. Recently, one of our merchant customers was contacted by …

05/02/2012

Issuing Credits? Be Extra Careful

No one wants to make a mistake, but we also recognize that humans are, well, human (and machines are likewise imperfect) so sometimes it happens. Today, we want to point out a small mistake merchants make that can have disproportionately large consequences at batch settlement: mistyped card numbers. The issue is simple: when issuing a …

04/03/2012

DOLLARS ON THE NET Advanced Search

We all know that the dryer steals socks and the couch occasionally likes to swallow the remote control, but have you ever had your POS or PMS eat a transaction? You know, the kind of transaction that doesn’t process quite right and then vanishes and leaves you scratching your head, wondering where on earth it …

03/06/2012

Quick and Dirty IT Security

For those of you who don’t have the luxury of a dedicated IT-security team, here’s a quick tip from our IT staff: don’t be intimidated into inactivity. As with any security effort, there are layers to IT security. There are a number of simple, free steps you can take to that will drastically reduce your …

02/07/2012

How Shift4 Goes Beyond Compliance

Saying that PCI compliance can be a challenge is kind of like saying climbing Mt. Everest is slightly difficult. With the confusing state of Payment Card Industry Data Security Standards (PCI DSS) today, merchants using legacy systems may understandably look at climbing Everest as a cake walk in comparison to maintaining compliance. Shift4 not only …

02/07/2012

Retail Requires Speedy Settlement

Retailers, if you’re not settling your batches every night, you’re probably losing money.Each category/type of merchant account has its own quirks and requirements. Retail merchant accounts, for example, require that all transactions be settled within 24 hours. This can be difficult – but pays off almost immediately. Processors offer three rate levels to retail merchants: …

11/21/2011

Simple Clues to Early Detection of a Computer Breach

Defending your computer systems from Internet-borne threat agents can be a daunting task. Threat agents take on many forms. Among some of the nastiest are Remote Administration Trojans (RATs) and key-loggers that record data for later extraction through the RAT. Threat agents can squeeze through the tiniest crack in your Internet defenses, so the only …

11/21/2011

Don’t Lose Out on Hard-Earned Revenue – Use Aging Warning

After you’ve done all the work in a transaction – made the sale and accepted the client’s payment – if it isn’t batched out and settled in a timely manner, you get nothing for your efforts. And you may be losing money, as well. Sadly, Shift4’s Support staff has received numerous phone calls from merchants …

11/21/2011

Voice Auth Refresher

Criminals are often smarter than we give them credit for. They know that at busy times of the day and during the busier times of the year, clerks are more distracted and it is therefore easier for them to get away with their illegal activities. That is why now, as the holiday season rapidly approaches, …

10/18/2011

What to do if You Think You May Have Been Breached

Imagine you have just discovered something amiss in your system and signs point toward a potential data breach. Do you have a plan of action in place? Do you have people on hand who know how to deal with such a problem? If not, have you found an expert you can contact? “When the time …

10/18/2011

Shift4 Makes AVS Better

In our last newsletter, we discussed several mistakes merchants make that can result in costly Visa downgrades. One of these mistakes was not getting all the necessary AVS information. In an effort to demystify AVS for our merchants and advise of Shift4 features and benefits you may not currently be taking advantage of, we would …

10/18/2011

More Suspended Batches? Discover the Solution

Back in July, we discussed suspended batches and gave you the two most common reasons batches suspend: 1) missing or invalid data included in the batch or 2) a communication failure somewhere between you and your processor. Today, we’d like to add a third reason that has become common enough that we feel it deserves …

09/20/2011

What Not to Do: The Most Avoidable Payment Processing Errors

Payment processing is an involved (and occasionally confusing) business. There are many players, many systems involved, and therefore many points for potential failure. At Shift4, we do all we can to eliminate or bypass potential points of failure within our sphere of influence. But, did you know there are a few steps you can take …

08/16/2011

A Couple of Things You Should Know About Authorizations

First, we’ll talk about the “A” you see occasionally in your transactions view when using DOLLARS ON THE NET®. We’ll explain what it means and why it’s there in the first place. Then, we will address a question Shift4 receives almost every day, “Can Shift4 help me release an authorization from a customer’s card?” What’s …

08/16/2011

Did You Know Shift4 Processes Directly to American Express?

Did you know that Shift4 maintains a private, direct connection to American Express? Why do we do this? Well, the answer is quite simple: we do it to make life easier for you, our merchants. Shift4’s direct connection means we don’t have to pay a third-party to submit this information for us – that saves …

08/16/2011

Settlement Windows

Settlement windows. You may not even know what they are, but there’s a chance they’re costing you extra money. Simply put, your settlement window is the time window during which you must submit transactions to your processor in order to receive prompt funding. Missing this window can cost you in terms of downgrades, and delay …

08/12/2011

Tokenization Guidelines Missed the Mark

This morning, the Payment Card Industry Security Standards Council (PCI SSC) published an “information supplement” entitled, PCI DSS Tokenization Guidelines. The document was designed to standardize the rapidly growing tokenization landscape and to give official word on how much benefit tokenization could bring to merchants striving to comply with PCI DSS requirements. It missed the …

07/14/2011

Is it Time for a Browser Upgrade?

Have you ever seen a company campaign against its own product? It’s certainly a rare occurrence, but Microsoft is currently in a campaign against one of its products – and has been for several months. In March of 2011, Microsoft officially launched a campaign against Internet Explorer 6. Why? Well, despite being three generations behind, …

07/13/2011

What is a Suspended Batch?

Have you ever had a suspended batch? Don’t be too scared, it’s not as bad as it sounds… in fact, it’s not a bad thing at all. Suspended batches are typically triggered by one of two things 1) missing or invalid data included in the batch or 2) a communication failure somewhere between you and …

05/31/2011

Gateway +

Shift4 provides so many value-added services that it can be easy to forget that we are first and foremost a payment gateway. We connect merchants’ revenue centers (Point of Sale, Property Management System, e-commerce shopping cart, etc.) to the credit card processor of their choice. In the more than 16 years we’ve been in the …

05/31/2011

Executive Insight: Trace is the Light!

From time to time, if you are experiencing an issue, we may ask you to “send us trace” or we may even talk you through “turning on verbose trace” and ask you to send it to us the next day. Let’s talk about what trace is. Trace is data or logs that are recorded at …

05/31/2011

Debit: Is It Worth It?

Nothing worth doing is ever easy. Nowhere in the payment industry is that more true than with debit card processing. Unlike processing credit payments with relatively few variables, debit card processing involves numerous organizations, devices, networks, and – perhaps most confusing of all – encryption keys. As your advocates in the payments arena, we’re committed …

04/28/2011

Unifying Your Revenue Centers

If you have multiple lines of revenue in your business (i.e., restaurants within your hotel, e-commerce sales in addition to your brick-and-mortar location, etc.), now is the time get them all under the Shift4 umbrella. We have been approached by a few clients recently who realized that a good portion of their business was coming …

03/16/2011

Combat Internal Fraud

If you read our January newsletter, you already know that Shift4 was founded in response to a customer service inquiry. A client was looking for a unique solution, we were able to deliver that solution, and in the process come up with what we now call DOLLARS ON THE NET®. Another customer request came in …

03/16/2011

BIN Management

Debit or Credit? This is the age old question. Do you currently accept Debit? If so, have you set your BIN management floor limits yet? If not, you could be losing money on unnecessary transaction fees. BIN management sometimes known as “BIN spinning,” is a feature of Shift4’s Universal Transaction Gateway® (UTG®) that identifies card …

02/07/2011

Why We Need to Know When Your IP Address Changes

Shift4’s Universal Transaction Gateway® (UTG) users must have a permanent IP address assigned to their PC, both for security purposes and so that the POS/PMS can always communicate. If this IP address is changed, and Shift4 is not informed, clients will not be able to connect to DOLLARS ON THE NET and therefore will be …

02/07/2011

Why Audit?

The Shift4 product offering is extensive to say the least. We offer a myriad of tools and services to our clients, and one that is highly beneficial to the enduser is our auditing capabilities. Yet, it has come to our attention that many of our clients are not using DOLLARS ON THE NET’s built-in auditing …

01/07/2011

Shift4: Founded on World-Class Customer Support

In the late 1980s, the Shift4 founders were running a successful accounting software business in Southern California when a long-time customer approached them with an issue: she needed a way to integrate her front-of-house credit card system with her back-office accounting program. Dedicated to providing stellar service and never prone to shy away from a …

01/07/2011

Stand-In vs. Dial-Up Backup

Last month we introduced you to a new feature we call Stand-In. If you didn’t happen to read that article, you can find it in its entirety here. The basic gist of Stand-In is that you are able to continue processing transactions even when Internet connectivity is lost. Since we released that article, many clients …

12/01/2010

Why Shift4?

The true value of Shift4 is in the details; it’s the nuances that separate us from the competition. Let’s take a look at a few of the features and benefits you enjoy as a Shift4 customer, for just pennies per transaction: A secure, reliable gateway between your Point-of-Sale (POS) system, Property Management System (PMS), or …

12/01/2010

Secure Offline Stand-In® Offers Enhanced Offline Processing

Those of you who currently use our Universal Transaction Gateway® (UTG®) are probably well aware of the numerous benefits provided by that technology. Well, now there is one more. Included with the most recent UTG update is an offline-processing feature called Secure Offline Stand-In® (SOS). All merchants worry about losing connectivity to the Internet. Having …